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Over the past decade, there has been an increase in the volume of cybercrime in various spheres of life at the level of the state, economic agents, and individuals. Therefore, the issues of studying the processes of forming information security and identifying the impact on its effectiveness are becoming topical. The aim of this study is to prove the hypothesis that the behaviour of the population associated with the use of personal security measures and the formation of the corresponding consequences of incidents occurs under the influence of the level of economic development of the country. This was done using k-means cluster analysis via the Deductor Academic analytical platform and based on data from a survey conducted among respondents from EU countries. Analysis of the responses showed that there is a growing trend in the use of online banking and e-commerce services; there is an increase in the number of respondents who have become victims of cybercrimes, especially social engineering; the trend towards the use of reliable personal security equipment is declining. The results of the cluster analysis, for which data on the number of respondents who are victims of cybercrimes and the number of respondents using various personal security tools were used, made it possible to form 7 clusters of countries. Analysis of GDP per capita for the obtained clusters and visualization of the map of countries allowed us to confirm the hypothesis, but it was also determined that the dependence of the use of personal security measures and the consequences of cybercrimes is also influenced by the mental characteristics of countries formed due to the close territorial location of neighboring countries. The results obtained will be of practical importance for the development of the concept of information security and economic development of the state. They can be used to determine which sets of protection are appropriate for the income level of the population. Priority areas for further research are to determine the influence of other factors on the formation of the country's information security and the formation of a barycentric model of their measurements to ensure sustainable economic development of the state.

INFLUENCE OF THE COUNTRY ECONOMIC DEVELOPMENT ON THE DEPENDENCE OF THE USE OF PERSONAL INFORMATION SECURITY AND THE CONSEQUENCES OF CYBERCRIME